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| | Fair Credit Reporting Act |
 | | For purposes of any determination of whether an action is an adverse action under paragraph (1)(A), all appropriate final findings, decisions, commentary, and orders issued under section 701(d)(6) of the Equal Credit Opportunity Act by the Board of Governors of the Federal Reserve System or any court shall apply. |
 | | (2) the purpose is certified in accordance with section 607 [§ 1681e] by a prospective user of the report through a general or specific certification. |
 | | For purposes of this paragraph, items of public record relating to arrests, indictments, convictions, suits, tax liens, and outstanding judgments shall be considered up to date if the current public record status of the item at the time of the report is reported. |
| www.ftc.gov /os/statutes/fcra.htm (9189 words) |
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